Legal
Terms of Use
Welcome to Relief Rates. These Terms of Use (“Terms”) govern your access to and use of reliefrates.com (the “Site”), operated by Oat Hill Media (“we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
1 · Informational Purpose Only — Not Professional Advice
Relief Rates is a free consumer-information publisher. We are not an insurance company, agency, broker, producer, lender, or financial, legal, or tax advisor, and we are not licensed to sell or negotiate insurance. All content on the Site is provided for general informational and educational purposes only and does not constitute financial, insurance, legal, or tax advice, nor a recommendation, endorsement, offer, or solicitation to buy any product. Always consult a licensed professional and review the actual policy documents before making decisions. Coverage, rates, eligibility, and terms are determined solely by the applicable provider and your individual circumstances.
2 · No Guarantee of Accuracy or Results
We work to keep content accurate and current, but insurance products, rates, laws, and programs change frequently. We make no representation or warranty that any information is complete, accurate, current, or applicable to your situation, and any figures or examples are illustrative only. Your actual quotes and terms will vary.
3 · Advertising, Affiliate Links & Third Parties
The Site is advertising-supported and contains advertisements and affiliate links. We may be compensated when you click a link or take an action with a third-party provider. See our Advertising Disclosure. We do not control and are not responsible for third-party websites, products, services, or content, and your dealings with any third party are solely between you and that party.
4 · Acceptable Use
You agree not to misuse the Site, including by: violating any law; attempting to gain unauthorized access to our systems; scraping or harvesting data by automated means without permission; introducing malware; interfering with the Site’s operation; or using the Site to infringe the rights of others.
5 · Intellectual Property
The Site and its content — text, graphics, logos, and design — are owned by Oat Hill Media or its licensors and are protected by intellectual-property laws. You may view and share content for personal, non-commercial use with attribution, but you may not reproduce, republish, or exploit it commercially without our prior written consent.
6 · Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
7 · Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, OAT HILL MEDIA AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR RELIANCE ON ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).
8 · Indemnification
You agree to indemnify and hold harmless Oat Hill Media, Relief Rates, and their officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Site or violation of these Terms.
9 · Governing Law
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction of the state and federal courts located in New York for any dispute not subject to arbitration or small-claims resolution.
10 · Changes to These Terms
We may modify these Terms at any time. Changes are effective when posted, and the “Last updated” date reflects the latest version. Your continued use of the Site constitutes acceptance of the revised Terms.
11 · Contact
Questions about these Terms? Contact Oat Hill Media at support@reliefrates.com, 459 Columbus Ave #4025, New York, NY 10024.